Introductory Home Loan Offer

Lock in our discounted interest rate.

2 Years Fixed^
2.29% pa
interest rate¹

3.20% pa
comparison rate²

New money only
Owner occupied
No ongoing loan fees
LCU pays legal fees and valuation costs up to $500
100% offset transaction account
Direct access to your loans officer during the application process with a prompt turnaround time
No redraw fees

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How do I apply?

What documents do I need?

Evidence of Income:

Copy of 2 current pay slips or a letter from your employer stating commencement date and salary details
If your pay is not currently deposited to an LCU account, please supply 3 months' of complete bank statements
Proof and source of other income
If self-employed please provide full financial statements and tax assessments for the last 2 years and current figures no more than 3 months old
A copy of a recent rental lease or bank statements showing receipt of rent.

Evidence of Commitments:

Statement of your home and/or other loans
A copy of a recent rental lease or if boarding, a letter from the owner
Latest 3 months' of statements for all credit cards and store cards

Additional information

¹ Rates are subject to change. Please refer to our rates and fees page.
Credit eligibility criteria, terms & conditions, fees & charges apply. Minimum loan amount $350,000 and only available for principal & interest loans with LVR of 80% or less. Applications must be funded within 3 months of formal approval. Offer current as at 01/01/2020. Offer available for a limited time only and may be withdrawn at any time. Not available in conjunction with any other offer.
^At the end of the introductory period the loan interest rate will revert to the Intelligent Mortgage Variable Loan rate (currently 3.33% pa).
²Comparison rate based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Introductory Home Loan Offer
Interest Rates
Fixed Introductory Interest Rate	2.29% pa¹
Comparison Rate	3.20% pa²
Introductory Rate Term in Years	2
Fees
Establishment Fee	903.60
Annual Fee	$0
Monthly Fee	$0
Redraw Fee	$0
Features
Automatic Deposits (salary / account)	Yes
Minimum Amount	$350,000
Maximum borrowing capacity (LVR)	80%
Minimum Term in Years	2 years
Maximum Term in Years	30 years
Redraw Facility	Yes
Offset Account	100% offset available
Repayments	Weekly, fortnightly or monthly
Variable and lump sum repayments	Yes

¹ Credit eligibility criteria, terms & conditions, fees & charges apply.. Australian Credit Licence 240807. Minimum loan amount $350,000 and only available for principal & interest loans with LVR of 80% or less. Applications must be received by 27 December 2019 and funded within 3 months. Rate current as at 21/10/19. Not available in conjunction with any other offer. 1At the end of the introductory period the loan interest rate will revert to the Intelligent Mortgage Variable Loan rate (currently 3.53% pa). 2The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

² Warning: This comparison rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison Rate is calculated on a loan amount of $150,000 over a term of 25 years based upon monthly repayments. These rates are for secured loans only.